Call reports 2005
FARMERS TRUST AND SAVINGS BANK — 2005
What FARMERS TRUST AND SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 89,692,000 | 90,852,000 | 90,741,000 | 90,372,000 |
| Total loans | 59,663,000 | 62,514,000 | 64,031,000 | 63,693,000 |
| Allowance for loan losses | 714,000 | 714,000 | 714,000 | 765,000 |
| Securities available for sale | 25,129,000 | 23,588,000 | 21,477,000 | 20,879,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,337,000 | 57,841,000 | 58,198,000 | 62,074,000 |
| Interest-bearing deposits | 48,968,000 | 48,046,000 | 46,485,000 | 49,254,000 |
| Noninterest-bearing deposits | 11,369,000 | 9,795,000 | 11,713,000 | 12,820,000 |
| Equity capital | 14,074,000 | 14,682,000 | 14,936,000 | 14,838,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,286,000 | 2,624,000 | 4,013,000 | 5,400,000 |
| Interest expense | 382,000 | 804,000 | 1,258,000 | 1,722,000 |
| Net interest income | 904,000 | 1,820,000 | 2,755,000 | 3,678,000 |
| Noninterest income | 163,000 | 322,000 | 503,000 | 662,000 |
| Noninterest expense | 432,000 | 894,000 | 1,341,000 | 2,019,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 638,000 | 1,256,000 | 1,922,000 | 2,225,000 |
| Income tax | 31,000 | 61,000 | 93,000 | 100,000 |
| Net income | 607,000 | 1,195,000 | 1,829,000 | 2,125,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,198,000 | 14,596,000 | 15,040,000 | 15,136,000 |
| Total capital | 14,912,000 | 15,310,000 | 15,754,000 | 15,901,000 |
| Risk-weighted assets | 57,965,000 | 60,280,000 | 62,506,000 | 62,360,000 |